Natalie Chappius is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in advising high-net-worth individuals and business owners. She focuses on financial and tax minimization strategies, retirement income planning, estate planning services, and portfolio management. With over 20 years of experience in the financial services industry, Natalie also collaborates with a Wealth Management Lending Officer from Bank of America, N.A. to incorporate home financing solutions into clients’ overall financial strategies. In her role as a Senior Portfolio Advisor, she manages custom investment strategies on a discretionary basis, selecting from Merrill Lynch model portfolios and third-party investment options. Natalie attended California State University, Long Beach, where she was a recipient of the Presidents Academic Scholarship. She holds FINRA registrations including the Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law Examination), as well as licenses with the California Department of Insurance to offer Life Insurance, Annuities, and Long Term Care products. Additionally, she has earned the Certified Plan Fiduciary Advisor® (CPFA®) designation. Natalie is also recognized as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Residing in 4S Ranch with her husband Michael and their two children, Natalie is actively involved in community service, including volunteering and fundraising with the National Charity League. Her client-centered approach emphasizes creating personalized financial strategies to help clients pursue their goals.

Diwani Biglang Awa is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where she has worked since 2007, accumulating 19 years of industry experience. Outside of her advisory role, she owns and operates Brixton Interiors LLC, a residential interior design and home décor business, and Tiny Baubles LLC, a handmade jewelry retail venture. She also serves on the executive board of Alamosa Park Elementary PTA as an auditor and communications coordinator. UBS Financial Services serves individual, corporate, and institutional clients through a wide range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions tailored to clients’ goals and risk tolerances.

Darion Haggerty is a CFP® professional with four years of industry experience, currently advising at Edward Jones since 2022. Before joining Edward Jones, he worked at DaVita and held various roles at Target, Primerica, and Starbucks. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jerry Dressel is a financial advisor at LPL Financial with Series 63 registration and two years of industry experience. He has also been involved with F & B Associates Inc since 2020 and has operated Dressel Advisory Group since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio management options, supported by technology and a large network of advisors.

Jaime Niesley is a financial advisor at Cetera with 10 years of industry experience. He holds the CFP® designation and Series 63 license. Jaime has worked at Cetera since 2021 and is also the owner of Wollman Wealth Designs, a financial services firm. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Jayne Byrne is a CFP® and Series 66-registered financial advisor with LPL Financial, based in San Diego, CA, and has 41 years of industry experience. She has worked at LPL Financial in various capacities since 1985 and was also affiliated with Cetera Advisor Networks and CWM, LLC. Outside of her advisory work, she is involved with a non-variable insurance business and operates Nautica Wealth Advisors, LLC, a DBA for her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Barbara Klein is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. Her prior roles include positions at Broker Dealer Financial Services Corp., Summit Financial Group Inc., and Cetera Wealth Services, LLC. Outside of her advisory work, she serves as vice president and secretary of a property owners association and is involved in selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supporting both discretionary and non-discretionary account structures.

Lance Peters is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 66 designation and has eight years of industry experience, including prior roles at Lucia Capital Group and the University of San Diego. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors and advanced operational tools.

Wade Shumway is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2017, with prior experience at National Planning Corporation. Outside of his advisory role, Shumway is also involved in investment-related activities with Lucia Capital Group and Westland Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Joseph Gompers is a financial advisor at LPL Financial with two years of industry experience. His prior roles include positions at New York Life Insurance Company and Carofin. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad array of non-advisory financial services.

Sara Hecht is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked across multiple Fidelity entities since 2014, including Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary and non-discretionary portfolio management, fund advisory, and model portfolios.

Saul Serano is a financial advisor at Charles Schwab with 11 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, Charles Schwab and Co., Inc., and TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.

Shu Chi Liu Ouk is a Series 66-licensed financial advisor with LPL Financial, based in San Diego, CA, and has 18 years of industry experience. Prior to joining LPL Financial in 2012, Liu Ouk worked at Edward Jones from 2008 to 2012. Outside of his advisory role, he operates SL Wealth Management, Inc., providing portfolio analysis, retirement planning, and educational seminars through LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with various investment strategies and supports over 22,800 advisors managing more than $819 billion in discretionary assets.

Anthony Perkins is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has extensive experience in financial consulting, having previously served as Regional Vice President at Fisher Investments from 2021 to 2022, Senior Financial Consultant at TD Ameritrade from 2013 to 2021, and Licensed Financial Consultant at PNC Investments from 2009 to 2013. Anthony holds a California Insurance License. He approaches financial planning as a collaborative process, aiming to build financial plans with clients in a friendly and conversational manner. He believes that effective planning is essential and strives to help clients reduce financial stress through this process. Outside of his professional work, Anthony's personal interests include cars, fitness, food, hiking, scuba diving, and tennis.

Brady Suter is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior roles include positions at Aztec Shops and Bullseye Reporting. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers integrated brokerage, custody, and cash-sweep solutions.

Erin Bethge is a CFP®-certified financial advisor with 11 years of industry experience. She has worked at Raymond James & Associates since 2019 and previously held roles at Bank of America and Merrill from 2015 to 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by in-house research and a range of portfolio management strategies.

Christopher Deleon is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has worked at J.P. Morgan Securities and JPMC Bank NA since 2018 and previously at Bank of America N A from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research and includes expanded derivatives and commodities capabilities.

Kelly Takacs is a Planning Consultant at Fidelity Investments, a role she has held since 2021. Prior to this, she worked as a Relationship Manager from 2018 to 2021 and as a Financial Representative from 2016 to 2018, all within Fidelity Investments. Kelly holds a California Insurance License. Her professional approach involves gaining a deep understanding of her clients' situations to build plans that support their needs and desires. Outside of her professional work, Kelly has interests in fitness, pets, Pilates, traveling, and yoga.

Ann Tu is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Graydan Smith is a financial advisor at LPL Financial with six years of industry experience. He previously worked at Bank of America, Merrill, and Domas Capital Group. He holds a Series 66 designation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both strategic and tactical investment approaches.